call or visit us online. we're ready to help. [ male announcer ] a european-inspired suspension, but not from germany. ♪ a powerful, fuel-efficient engine, but it's not from japan. ♪ it's a car like no other... inspired by a place like no other. introducing the all-new 2013 chevrolet malibu, our greatest malibu ever. ♪ >>> welcome back. 20 minutes past the hour. there are just 51 gaze left until we would go over the so-called fiscal cliff. that is the $7 trillion in automatic spending cuts and tax increases that could go into effect in january, so as washington contemplates its own fiscal responsibility, one group is hoping to make it work on a more personal level right at home. operation hope says its mission is to promote financial dignity in underserved communities, and joining me now is john hope bryant, the group's founder and serves on the president's advisory council on financial capability and former u.n. ambassador andrew young, a global spokesperson for operation hope. you are welcome to both